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What does business car insurance cover?

There are many reasons for considering cheap business use car insurance:

Business use insurance is included in all of our policies at Dayinsure. There’s a common belief that annual insurance covers you to use your vehicle for business trips but many policies don’t! Often they only cover commuting to and from your regular place of work. So, there are many reasons you may want to buy business use insurance for your car or van:

using someone else’s car for work on a day-to-day basis

borrow a colleagues car to visit clients or other branches

travelling to conferences, meetings and training sessions away from your usual place of work

sharing cars and vans between employees so you can split the driving for business trips

needing a bigger vehicle to transport extra equipment or large items

borrowing a vehicle when your business car or van is in the garage for repairs.

We don’t cover hired cars and you can’t use the insurance for a taxi, for deliveries or for door-to-door sales.

Do I need business top-up?

There is a common belief that annual insurance policies cover you to use your vehicle for business trips, but many don’t…

Common examples include policyholders who:

choose Social Domestic & Pleasure use (SD&P) only, this only allows you to drive privately, for your own personal use

include commuting cover but you may not be aware that this only provides cover to and from a regular place of work

add named drivers to a vehicle expecting them to have business use too, but unless you have requested it, it won’t.

How can Dayinsure business top-up help?

Our business top-up policy is perfect for when you’re already insured annually on a vehicle and are looking to add cover for business use only when you need it.

Because Dayinsure business top up only provides cover whilst you are using a vehicle for business, it’s only available if you have an existing annual policy for SD&P in force for that vehicle. This means that we are able to offer the product at a competitive price as it works alongside your existing SD&P policy.

Customers who have an existing SD&P policy may not want to pay for business use on their annual policy for infrequent use e.g. a commuter who uses public transport but uses their car in the event of a strike.

The use of additional drivers is a strong benefit of this top-up insurance. For example, if you are taking your car to a meeting and are only insured for SD&P, purchase a business top-up policy for yourself on your vehicle, add up to three of your colleagues as named drivers and share the driving.

If you don’t already have SD&P cover on the vehicle or you are in any way unsure, you can purchase our Dayinsure short-term policy which provides cover for both SD&P and business use.

Who is eligible for business use insurance?

Most drivers ages 18 to 75 years requiring business use car insurance can be covered, along with many UK registered vehicles.

Vans up to 3.5 tonnes GVW can be covered.Discover the Business insurance acceptance criteria below.

It’s not just UK licence holders that can access car insurance for business. We can cover you if you have a valid EU, EEA, Australian, New Zealand, South African or Swiss licence that’s been valid for at least 6 months (reduced to 3 months if aged over 25).